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The First National Bank at St. James

Popular Accounts at this Bank

0.60%1-year CD12 Month CD
1.00%2-year CD24 Month CD
1.00%3-year CD30 Month CD

Overview / Commentary
202 1st Ave S
Saint James, MN 56081

The First National Bank at St. James is headquartered in Saint James and is the 281st largest bank in the state of Minnesota. It is also the 5,530th largest bank in the nation. It was established in 1934 and as of September of 2017, it had grown to 11 employees at 1 location. The First National Bank at St. James has a B health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First National Bank at St. James has a low asset base.

Health Grade Components

FDIC Certificate #14853
Year Established1934
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD5.2%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$30.5MM$29.7MM
LoansQ3 2017vs Q3 2016$21.7MM$17.8MM
DepositsQ3 2017vs Q3 2016$26.4MM$26.2MM
Equity CapitalQ3 2017vs Q3 2016$2.6MM$2.7MM
Loan Loss AllowanceQ3 2017vs Q3 2016$260.00K$232.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$51.00K$413.00K
Real Estate OwnedQ3 2017vs Q3 2016$59.00K$17.00K
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The First National Bank at St. James CD Rates

1.26%$500-36 Month CD
1.26%$5k-36 Month Variable CD
1.00%$500-24 Month CD
1.00%$500-30 Month CD
0.60%$500-12 Month CD
0.60%$500-18 Month CD
0.50%$500-182 Day CD
0.25%$500-91 Day CD

The First National Bank at St. James Locations
The First National Bank At St. James202 1st Ave SSaint James, MN 56081